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Rural Theft

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What We Cover

Horse Thoroughbred and Standardbred

This policy is for your race and breeding horses, including standardbred and thoroughbred colts, geldings and fillies, from when they start out training for the race track until their retirement. This includes horses between 24 hours to 12 years old; a higher age limit may apply if your horse is already insured with us.Please Note: The 2017-18 policy wording comes in force on 01 Dec 2017.

What we cover

The FMG Horse Thoroughbred and Standardbred policy automatically includes these covers and benefits.

Death

Covers you if your horse dies or needs to be euthanised because of an accident, injury, illness or disease.

Transit - air or sea

Cover while your horse is being transported by air or sea within New Zealand and Australia. This includes while the horse is being loaded and unloaded from a plane or ship.

Operations by a Vet

Cover for death during or as a result of a surgical operation conducted by a vet.

Vet Costs

You’re insured for up to $10,000 or 50% of the sum insured for reasonable veterinary costs for treating your horse for an injury or illness, for up to 12 months from the onset of the injury or illness. An excess of $500 applies and cover is only available for horses over 1 year old.

Ninety day cover extension

For policies with a 12 month or longer period of insurance, cover will continue for up to ninety days after expiry provided that you advice us of the issue that leads to the loss before the expiry date.

Removal and disposal costs

We’ll pay up to $500 for the cost of removing and disposing of your horse in the event of its death.

Theft

Cover for the theft of your horse and for death, or humane destruction, as a result of theft. Cover also applies if your horse is taken and castrated or spayed maliciously.

Wobbler syndrome

Cover if your horse is diagnosed with Grade 3 or a higher level of progressive and chronic wobbler syndrome.

Optional extras

You can purchase this Optional Benefit for even more comprehensive insurance.

Transit - air or sea outside New Zealand and Australia

Extends the standard air and sea transit cover to all countries outside of New Zealand and Australia.

Stallion – permanent disability

Cover your stallion if he becomes permanently impotent, infertile or incapable of serving mares as a result of an accident, illness or disease.

What we pay

We’ll pay the fair market value up to the amount shown on your certificate, plus GST, for any one event.

Fair market value

This is what a reasonable buyer would have been willing to pay for your horse before the loss and takes into account several factors including competition history and breed of the horse.

Download policy

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wordings using the links below, or you can get a free copy by calling us on 0800 366 466.